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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $59,396 | $73,787-19.5% | $98,716-39.8% | $82,448-28.0% |
| Participation rate | 67.7% | 61.4%+6.3pp | 69.3%-1.6pp | 68.1%-0.4pp |
| Annual return | 19.54% | 18.57%+1.0pp | 31.81%-12.3pp | 41.64%-22.1pp |
| Employer contribution / active EE | $787 | $1,511-47.9% | $2,279-65.5% | $2,551-69.1% |
| Participant deferral / active EE | $3,744 | $3,081+21.5% | $4,048-7.5% | $4,139-9.6% |
| Admin fee / account holder | $1,115 | $6,500-82.8% | $8,703-87.2% | $7,234-84.6% |